Expert Insurance, LLC
Expert Insurance, LLC (dba Expert Insurance Group) is a privately held, New England–based independent insurance agency distributing 11 personal and commercial lines across 16 carrier partnerships to individuals, small businesses, landlords, and recreational vehicle owners in Rhode Island and Massachusetts.
- Company typePrivate
- Founded-
- HeadquartersJohnston, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Expert Insurance, LLC does
Expert Insurance, LLC, operating as Expert Insurance Group, is a privately held independent insurance agency founded in 2019 and headquartered at 1705 Hartford Ave, Johnston, Rhode Island, with a second office at 400 Riverdale St, West Springfield, Massachusetts. The firm is licensed to sell across personal and commercial lines in New England (including Massachusetts, Connecticut, and Rhode Island) and serves individual consumers, small business owners, landlords, recreational vehicle owners, and real estate professionals through licensed agents. Its product portfolio spans 11 lines: auto, home, condo, renters, umbrella, life, business, landlord/dwelling fire, motorcycle, boat, and ATV/recreational vehicle insurance.
The agency distributes coverage through multi-carrier partnerships with 16 national and regional insurers — including Progressive, Liberty Mutual, Travelers, Geico, Chubb, Plymouth Rock Assurance (Arbella), Narragansett Bay Insurance Company, National General, Bristol West, American Modern, Beacon Mutual, Mapfre, Fetch Pet, JC Taylor, and Personal Umbrella — enabling comparative quoting across carriers. Distribution combines direct-to-consumer channels (website quote requests, phone, and in-person consultations) with a B2B referral channel tied to realtors and mortgage brokers, particularly for coastal and National Flood Insurance Program placements needed to keep property closings on schedule. The website footer links to a Balise (baliseauto.com) privacy policy, suggesting a backend or affiliation with the Balise Auto organization, though no formal parent-subsidiary relationship is stated.
Expert Insurance earns revenue through affiliate/referral commissions from its carrier partners on each policy written, a standard independent-agency economics model. Pricing to the end customer is not publicly disclosed; the agency advertises free, no-obligation personalized quotes, zero-down-payment options for qualified applicants, and discounts based on profession, academics, and affiliations. The firm has been recognized at Progressive's Platinum Blue Level agency status, the carrier's highest agency tier, providing priority support and exclusive perks. The team is led by Principal & Head of Insurance Operations Nick Adamo and includes a Manager of Marketing & Agency Development, a Manager of Sales Operations & Commercial Lines, a Financial Advisor (advisory services offered through Claro Advisors, LLC), and approximately nine licensed agents, account managers, and marketing/BD staff, consistent with the reported headcount of 12.
Expert Insurance, LLC firmographics
Firmographics- Name
- Expert Insurance, LLC
- Legal name
- Expert Insurance
- Website
- https://expertinsurancegroup.com
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Expert Insurance, LLC (dba Expert Insurance Group) is a privately held, New England–based independent insurance agency distributing 11 personal and commercial lines across 16 carrier partnerships to individuals, small businesses, landlords, and recreational vehicle owners in Rhode Island and Massachusetts.
- Ownership category
- akta.pro rank
Expert Insurance, LLC industry classification
Industry- Product category
- Insurance Agency Services
- NAICS
- Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Standard Personal Auto Insurance (Liability, Collision & Comprehensive) (FSAJAAAA)
- akta.pro secondary industries
- Personal Auto Insurance (FSAJAMAA), Personal Umbrella Insurance (FSAJANAA), Standalone Umbrella Liability (FSAJANAE)
Keywords
Where Expert Insurance, LLC is headquartered
LocationHeadquarters
- HQ city
- Johnston
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Expert Insurance, LLC business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations
Revenue model
- Insurance Agency Commissions: Expert Insurance Group operates as an insurance agency earning commissions from multiple insurance carrier partnerships. The company sells policies across personal lines (auto, home, life, renters, condo, umbrella, motorcycle, boat, ATV) and commercial lines (business insurance, landlord/dwelling fire), earning referral or placement commissions from carrier partners for each policy written.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Free quote with no obligation |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels4 records
Expert Insurance, LLC product offering
Product offeringCore offering
Expert Insurance, LLC is an independent insurance agency that sells personal and commercial insurance policies through licensed agents representing multiple national and regional carrier partners. The agency distributes auto, home, life, renters, condo, umbrella, business, landlord/dwelling fire, motorcycle, boat, and ATV/recreational vehicle insurance, earning placement commissions from carrier partners for each policy written.
Product overview
Expert Insurance, LLC is a traditional insurance agency offering a comprehensive portfolio of property and casualty insurance products. The company provides 11 distinct insurance products: Auto Insurance, Home Insurance, Renters Insurance, Condo Insurance, Umbrella Insurance, Business Insurance, Landlord/Dwelling Fire Insurance, Motorcycle Insurance, Boat Insurance, and ATV/Recreational Vehicle Insurance. These products are distributed through partnerships with multiple national and regional insurance carriers including Progressive, Liberty Mutual, Travelers, Geico, Chubb, and others, allowing the agency to match clients with coverage tailored to individual needs and budgets.
Differentiator
Problem solved
Functional benefit
Products and services
- Business Insurance Protects small businesses from unexpected losses, covering liability insurance, commercial real estate, inventory, cyber crime, and data breach coverage.
- Home Insurance Covers private residences against losses due to weather, fire, theft, or other serious damage, including outbuildings, personal liability, and guest medical coverage.
- Life Insurance Provides coverage for loss of income, debt protection, funeral costs, and children's education, with supplemental policies available for employer-provided coverage gaps.
- Auto Insurance Protects vehicle owners against liability and vehicle loss, covering bodily injury, property damage, uninsured/underinsured motorist, PIP, medical payments, collision, comprehensive, and rental car coverage.
- Condo Insurance Covers interior walls, floors, possessions, unit systems, personal liability for guest injuries, and living expenses when forced out due to covered losses.
- Renters Insurance Protects personal property against covered losses and includes liability protection, guest medical coverage, and additional living expenses.
- Umbrella Insurance Supplements liability coverage over underlying homeowners, car, or boat insurance policies to protect assets if sued beyond policy limits for personal injury, death, or major property damage.
- Landlord/Dwelling Fire Insurance Protects investment properties up to four units, covering losses and liability similar to homeowners policies plus lost rental income if units become uninhabitable.
- Motorcycle Insurance Protects motorcycle riders and their vehicles, meeting state-required minimum coverage levels in Massachusetts, Connecticut, and Rhode Island.
- Boat Insurance Covers watercraft whether docked or on open water, protecting against risks required by loan providers or marinas and providing replacement value coverage.
- ATV/Recreational Vehicle Insurance Provides tailored coverage for all-terrain vehicles used for business or recreation, with state-dependent coverage requirements and money-saving discounts.
Companies that use Expert Insurance, LLC
Customer profileSegments5 records
Ideal customer profiles4 records
Expert Insurance, LLC technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Expert Insurance, LLC partnerships and signals
Strategic signalPartnerships
16 partnerships are on record, tiered minor and core.
- Fetch Pet InsuranceminorInsurance carrier partner providing pet insurance products to customers of Expert Insurance Group.
- JC TaylorminorInsurance carrier partner specializing in motorcycle and specialty vehicle insurance.
- Bristol WestminorInsurance carrier partner providing auto insurance products.
- Liberty MutualcoreMajor national insurance carrier partner providing personal and commercial insurance products. One of the primary carrier partners.
- TravelerscoreMajor national insurance carrier partner providing personal and commercial insurance products. One of the primary carrier partners.
- Plymouth Rock Assurance (Arbella)coreRegional insurance carrier partner serving the Northeast market.
- GeicocoreMajor national insurance carrier partner known for auto insurance, operating as a direct-to-consumer insurer.
- National GeneralminorInsurance carrier partner providing auto and specialty insurance products.
- ChubbcorePremium insurance carrier partner known for high-value personal and commercial insurance, including specialty coverages.
- Narragansett Bay Insurance Company (NBIC)coreRegional insurance carrier partner serving the Rhode Island and surrounding markets.
- NLC (Narragansett Bay)coreRegional insurance carrier partner serving the New England market.
- American ModernminorInsurance carrier partner specializing in specialty insurance products including manufactured housing and recreational vehicles.
- Beacon MutualminorRegional insurance carrier partner, a workers compensation specialist serving Rhode Island employers.
- ProgressivecoreMajor national insurance carrier partner. Expert Insurance has achieved Platinum Blue Level agency status with Progressive, their highest recognition level.
- MapfreminorInsurance carrier partner with strong presence in the Spanish-speaking markets and Hispanic communities.
- Personal UmbrellaminorInsurance carrier partner specializing in personal umbrella liability insurance products.
Recent moves6 records
Expansion highlights6 records
Expert Insurance, LLC competitors and assessment
Company assessmentEmerging players
- Policygenius: Digital insurance brokerage distributing life, home, auto, and disability coverage across multiple carriers. Comparable multi-line multi-carrier distribution model but with a tech-led, online-first go-to-market.
- CoverWallet: Digital commercial insurance brokerage serving small businesses. Comparable as an insurance intermediary using carrier partnerships to distribute coverage, though focused on commercial lines via a digital platform.
Broad incumbents
- HUB International: Large global insurance brokerage distributing personal and commercial lines through a network of offices. Comparable business model but at significantly larger scale, representing the broad incumbent in the same independent agency category.
- Mapfre Insurance: Major carrier partner of Expert Insurance with strong presence in Spanish-speaking and Hispanic markets. Directly comparable product overlap (personal auto, home, commercial) and operates as a carrier the agency distributes for.
- AAA Insurance: Affinity-based insurance distributor offering personal auto, home, and life coverage through captive and partner carriers. Comparable personal-lines distribution franchise but with brand-driven customer acquisition and broader geographic reach.
Direct peers
- The Hilb Group: Mid-Atlantic and Northeast insurance brokerage offering personal and commercial coverage through carrier partnerships. Comparable multi-carrier agency model with personal/commercial mix similar to Expert Insurance.
- Starkweather & Shepley Insurance: Long-standing independent insurance agency headquartered in Rhode Island, distributing personal and commercial lines through multiple carrier partners. Highly comparable given overlapping Rhode Island footprint, multi-carrier agency model, and similar product mix.
- Cross Insurance: Large New England-based independent insurance agency network offering personal and commercial lines across multiple states. Comparable as a regional independent agency leveraging carrier partnerships and producer-led distribution.
Regional players
- Murray Insurance Associates: Independent insurance agency serving Rhode Island and southeastern Massachusetts with personal and commercial lines. Comparable multi-carrier agency model with strong overlap in the same RI/MA service territory.
- Amica Mutual Insurance: Rhode Island-headquartered direct-writing mutual insurer offering personal auto, home, and life insurance. Comparable Rhode Island base and product mix but operates as a carrier rather than an independent agency.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat2 records
Key risks6 records
Key highlights6 records
Customer concentration
Expert Insurance, LLC social profiles
Digital presenceExpert Insurance, LLC financial estimates
Financial estimateRevenue estimate
Valuation estimate
Expert Insurance, LLC leadership team
Management profileNumber of profiles
Profiles4 records
Expert Insurance, LLC funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Expert Insurance, LLC M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Expert Insurance, LLC
What does Expert Insurance, LLC do?
Expert Insurance, LLC is an independent insurance agency that sells personal and commercial insurance policies through licensed agents representing multiple national and regional carrier partners. The agency distributes auto, home, life, renters, condo, umbrella, business, landlord/dwelling fire, motorcycle, boat, and ATV/recreational vehicle insurance, earning placement commissions from carrier partners for each policy written.
Is Expert Insurance, LLC a public or private company?
Expert Insurance, LLC is a private company. It is classified as unknown and is currently operating.
When was Expert Insurance, LLC founded?
Expert Insurance, LLC was founded in -1. It employs 11 to 50 people.
Where is Expert Insurance, LLC based?
Expert Insurance, LLC is headquartered in Johnston, United States, in the North America region.
How does Expert Insurance, LLC make money?
One revenue line is on record: insurance Agency Commissions.
Who are Expert Insurance, LLC's main competitors?
Emerging players on record are Policygenius and CoverWallet. Broad incumbents are HUB International, Mapfre Insurance and AAA Insurance. Direct peers are The Hilb Group, Starkweather & Shepley Insurance and Cross Insurance. Regional players are Murray Insurance Associates and Amica Mutual Insurance.
Does Expert Insurance, LLC have an API?
No public API is recorded for Expert Insurance, LLC.
What industry is Expert Insurance, LLC in?
Expert Insurance, LLC's product category is Insurance Agency Services. Its primary akta.pro industry code is FSAJAAAA, Standard Personal Auto Insurance (Liability, Collision & Comprehensive), with a secondary code of FSAJAMAA, Personal Auto Insurance. Its NAICS code is 524210 and its SIC code is 6411.